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Use Gift Card only at U.S. merchants that accept American Express® Cards, except for recurring payment. No ATM use. Funds do not expire. Not redeemable for cash, except where required by law. Additional limitations apply. See Cardholder Agreement for complete details. Gift Card is issued by American Express Prepaid Card Management Corporation (PCMC). PCMC is licensed as a Money Transmitter by the New York State Department of Financial Services. NMLS ID# 913823.